--- title: "Klarna Financial Services UK Limited · Authorised E-Money Institution (FCA) · United Kingdom | Elucidate" description: "Klarna Financial Services UK Limited is authorised by FCA as an authorised e-money institution in the United Kingdom. Licence 1021834. LEI 984500DBA3BP4C462A15. Register status, licences, activities and ownership." url: https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392 --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Klarna Financial Services UK Limited United Kingdom · Payments & e-money # Klarna Financial Services UK Limited Trading as Klarna Klarna Financial Services UK Limited is a private limited company registered in England and Wales, based at 10 York Road, London. The FCA authorises it as an electronic money institution (FRN 1021834) and for consumer credit activities (FRN 987889). It is wholly owned by Klarna Bank AB of Sweden, whose ultimate parent is Klarna Group plc. It provides Klarna's UK consumer services: pay-later and instalment credit, the Klarna balance e-money account and the Klarna Visa card. Register status Licensed in the United Kingdom Authorised E-Money Institution · FCA Prudential licence [2 licences and registrations ↓](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#licences) BIC **No BIC** LEI **[984500DBA3BP4C462A15](https://search.gleif.org/#/record/984500DBA3BP4C462A15)** [Licence no. **1021834**](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#licences) ## Licences and registrations Held by Klarna Financial Services UK Limited (LEI 984500DBA3BP4C462A15). 2 entries on 2 of the 22 tracked registers, retrieved 25 September 2026. | Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | [FCA Financial Services Register - E-Money Institutions](https://elucidate.co/directory/register/fca-emi) FCA | Authorised E-Money InstitutionE-Money / Stored Value Institution | 1021834 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2025-07-28 | — | - Payment services - E-money / stored value | [Search the register ↗](https://register.fca.org.uk/s/) | | [FCA Financial Services Register - Payment Institutions & RAISPs](https://elucidate.co/directory/register/fca-psd) FCA | Authorised Payment InstitutionPayment Institution | 987816 | [United Kingdom](https://elucidate.co/directory/country/gb) | Cancelled - Authorised PI | — | Ended 2025-09-28 | - Payment services | [Search the register ↗](https://register.fca.org.uk/s/) | Trading names on the register: Klarna (FCA-EMI, FCA-PSD) - Each licence applies in the country of the regulator that granted it. - Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here. ## Swift network Swift’s ISO 9362 BIC directory Holds no BIC in Swift’s directory. Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#overview-sources) Customers 11,000,000 customers · This entity · 30 Jul 2025 · [company statement ↗](https://investors.klarna.com/News--Events/news/news-details/2025/Klarna-receives-FCA-authorisation-paving-way-for-cashback-and-balance-features/default.aspx) Employees 17 headcount · This entity · 31 Dec 2024 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/filing-history/MzQ2ODEzNTg1NWFkaXF6a2N4/document?format=pdf&download=0) Ownership Group subsidiary 100% Klarna Bank AB Firm type Lending or buy now, pay later Trades as Klarna - **Standing:** The FCA authorised the firm as an electronic money institution on 28 July 2025. Its earlier payment institution authorisation (FRN 987816) was cancelled on 28 September 2025. - **Ownership:** Klarna Bank AB (Swedish registration number 556737-0431) owns 100% of the firm, and Klarna Group plc is the ultimate parent. - **Direct parent:** Klarna Bank AB, Sweden 100% - **Ultimate owner:** Klarna Group plc, United Kingdom - **Head office:** 10 York Road, SE1 7ND London, United Kingdom - **Company register:** Companies House 14290857 - **Incorporated:** 11 Aug 2022 ### Online - **Websites & references:** [klarna.com ↗](https://www.klarna.com/uk) did not load when checked [docs.klarna.com ↗](https://docs.klarna.com/) Klarna developer and merchant documentation (group) [investors.klarna.com ↗](https://investors.klarna.com/) Klarna Group plc investor relations site (group) [Wikipedia ↗](https://en.wikipedia.org/wiki/Klarna) group article - **Official social accounts:** None found Sources · 14 pages consulted 1. [find-and-update.company-information.service.gov.uk/company/14290857](https://find-and-update.company-information.service.gov.uk/company/14290857) 2. [find-and-update.company-information.service.gov.uk/company/14290857/filing-history](https://find-and-update.company-information.service.gov.uk/company/14290857/filing-history) 3. [find-and-update.company-information.service.gov.uk/company/14290857/officers](https://find-and-update.company-information.service.gov.uk/company/14290857/officers) 4. [find-and-update.company-information.service.gov.uk/company/14290857/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/14290857/persons-with-significant-control) 5. [find-and-update.company-information.service.gov.uk/company/14290857/filing-history/MzQ2ODEzNTg1NWFkaXF6a2N4/document?format=pdf&download=0](https://find-and-update.company-information.service.gov.uk/company/14290857/filing-history/MzQ2ODEzNTg1NWFkaXF6a2N4/document?format=pdf&download=0) 6. [register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CWmx](https://register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CWmx) 7. [investors.klarna.com/governance/Governance-Oversight/default.aspx](https://investors.klarna.com/governance/Governance-Oversight/default.aspx) 8. [cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/general\_conditions\_account](https://cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/general_conditions_account) 9. [docs.klarna.com/acquirer/klarna/resources/marketing-tools/partner-marketing-legal-guidelines/united-kingd](https://docs.klarna.com/acquirer/klarna/resources/marketing-tools/partner-marketing-legal-guidelines/united-kingdom/) 10. [investors.klarna.com/News--Events/news/news-details/2025/Klarna-receives-FCA-authorisation-paving-way-for-cash](https://investors.klarna.com/News--Events/news/news-details/2025/Klarna-receives-FCA-authorisation-paving-way-for-cashback-and-balance-features/default.aspx) 11. [investors.klarna.com/News--Events/news/news-details/2025/Klarna-Launches-Flexible-Debit-Card-and-Digital-Walle](https://investors.klarna.com/News--Events/news/news-details/2025/Klarna-Launches-Flexible-Debit-Card-and-Digital-Wallet-in-UK/default.aspx) 12. [klarna.com/international/press/klarna-receives-fca-authorisation-to-provide-regulated-payments-and-c](https://www.klarna.com/international/press/klarna-receives-fca-authorisation-to-provide-regulated-payments-and-credit-services/) 13. [lei.bloomberg.com/leis/view/984500DBA3BP4C462A15](https://lei.bloomberg.com/leis/view/984500DBA3BP4C462A15) 14. [en.wikipedia.org/wiki/Klarna](https://en.wikipedia.org/wiki/Klarna) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#overview-sources) - **Operates under:** Its own licences The FCA authorises the firm as an electronic money institution (FRN 1021834) and for consumer credit activities (FRN 987889). According to Klarna, its Pay in 3 and Pay in 30 days products have been regulated by the FCA as deferred payment credit under FRN 987889 since 15 July 2026. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 1021834 | In its own name | Active | [investors.klarna.com ↗](https://investors.klarna.com/governance/Governance-Oversight/default.aspx) | | Financial Conduct Authority United Kingdom | Authorised firm for regulated consumer credit activities (including deferred payment credit from 15 July 2026) | 987889 | In its own name | Active | [docs.klarna.com ↗](https://docs.klarna.com/acquirer/klarna/resources/marketing-tools/partner-marketing-legal-guidelines/united-kingdom/) | | Financial Conduct Authority United Kingdom | Authorised Payment Institution (cancelled) | 987816 | In its own name | Withdrawn or expired | — | Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks. ## Partners and safeguarding Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#overview-sources) - **Safeguarding:** Not disclosedIts Klarna balance terms state that funds received for e-money are safeguarded under the UK rules for electronic money institutions, but they do not name the method or the safeguarding bank. [cdn.klarna.com ↗](https://cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/general_conditions_account) - **Payment schemes and card networks:** Visa Access not stated [investors.klarna.com ↗](https://investors.klarna.com/News--Events/news/news-details/2025/Klarna-Launches-Flexible-Debit-Card-and-Digital-Wallet-in-UK/default.aspx) Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices. ## Products and markets Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#overview-sources) - Buy now, pay later - Lending - E-money wallet - Debit cards - Domestic payments The firm is the UK lender for Klarna Pay in 3, Pay in 30 days and financing, and it issues the Klarna balance e-money account and the debit-first Klarna Visa card. It serves UK-resident consumers aged 18 and over, and its 2024 accounts state that all revenue came from the UK. - **Revenue:** GBP 183.5mThis entity · 31 Dec 2024 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/filing-history/MzQ2ODEzNTg1NWFkaXF6a2N4/document?format=pdf&download=0) - **Sells to:** Consumers - **Serves customers in:** United Kingdom ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#overview-sources) - **Executive:** Abby Charlotte Vickers Head of Klarna Financial Services UK; Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/officers) - **Executive:** Niclas Peter Neglén Director (Chief Financial Officer of the Klarna group) Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/officers) - **Executive:** Daniel Messenger Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/officers) - **Executive:** Michael Cuong Vi Tran Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/officers) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/klarna-financial-services-uk-limited-7dcf9d8bf392#overview-sources) 1. Jul 2026 Licence The firm's Pay in 3 and Pay in 30 days products came under FCA regulation as deferred payment credit on 15 July 2026. [docs.klarna.com ↗](https://docs.klarna.com/acquirer/klarna/resources/marketing-tools/partner-marketing-legal-guidelines/united-kingdom/) 2. May 2026 Leadership Camilla Giesecke stepped down as a director on 1 May 2026, after Michael Tran was appointed a director on 20 April 2026. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/filing-history) 3. Dec 2025 Leadership Niall Kilkenny stepped down as a director of the firm on 31 December 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/filing-history) 4. Oct 2025 Other Klarna launched the Klarna balance e-money account and the debit-first Klarna Visa card in the UK on 16 October 2025. [investors.klarna.com ↗](https://investors.klarna.com/News--Events/news/news-details/2025/Klarna-Launches-Flexible-Debit-Card-and-Digital-Wallet-in-UK/default.aspx) 5. Jul 2025 Licence The FCA authorised the firm as an electronic money institution (FRN 1021834) on 28 July 2025. [investors.klarna.com ↗](https://investors.klarna.com/News--Events/news/news-details/2025/Klarna-receives-FCA-authorisation-paving-way-for-cashback-and-balance-features/default.aspx) 6. Nov 2023 Licence The FCA authorised the firm for consumer credit and payment services, and it took over Klarna's UK consumer business from Klarna Bank AB. [klarna.com ↗](https://www.klarna.com/international/press/klarna-receives-fca-authorisation-to-provide-regulated-payments-and-credit-services/) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source. ## Identifiers - **Licence no. · FCA-EMI:** 1021834 - **Licence no. · FCA-PSD:** 987816 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [984500DBA3BP4C462A15 ↗](https://search.gleif.org/#/record/984500DBA3BP4C462A15) - **How the LEI was matched:** Matched by Elucidate on the UK company number the register gives - **Companies House no.:** [14290857 ↗](https://find-and-update.company-information.service.gov.uk/company/14290857) - **Elucidate firm ID:** 7dcf9d8bf392 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** E-Money / Stored Value Institution - **Activities:** - Payment services - E-money / stored value - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) · Europe & Central Asia - **First registered:** 2025-07-28 - **Website:** [www.klarna.com/uk ↗](https://www.klarna.com/uk) Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records GLEIF’s relationship records name no parent for this LEI, and no group page is published for it. ## Persons with significant control Companies House · company [14290857 ↗](https://find-and-update.company-information.service.gov.uk/company/14290857) · as at 9 October 2026 Companies House lists 1 person with significant control for Klarna Financial Services UK Limited: 1 company. | Name | Type | Nature of control | Notified | | --- | --- | --- | --- | | Klarna Bank Ab | Company · Sweden | 75–100% of shares · 75–100% of votes | 11 August 2022 | Companies report persons with significant control to Companies House. Elucidate has not verified them. A person with significant control holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown. Matched on the Companies House number that the FCA register gives for this firm. [See the register at Companies House ↗](https://find-and-update.company-information.service.gov.uk/company/14290857/persons-with-significant-control) ## Addresses - **Address on the register:** 10 York Road, London, SE1 7ND - **Country:** United Kingdom ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code. - **Identified by:** Name and postal address, with its LEI - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in one address line ```xml 984500DBA3BP4C462A15 KLARNA FINANCIAL SERVICES UK LIMITED SE1 7ND London GB 10 York Road ``` CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent. The values are as published by the register. Check them against your own records before use. ## Related institutions ### Other payments & e-money institutions in the United Kingdom - [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l) - [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725) - [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392) - [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l) - [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22) - [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896) - [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5) - [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb) [See all →](https://elucidate.co/directory/search?type=payments&cc=GB) [Other entries on FCA-EMI →](https://elucidate.co/directory/register/fca-emi) Sources & method Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI. An institution missing from these registers is not necessarily unregulated. Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Registers for this page - **FCA Financial Services Register - E-Money Institutions**—Financial Conduct Authority (FCA) · [source ↗](https://register.fca.org.uk/s/) as at 25 September 2026 - **FCA Financial Services Register - Payment Institutions & RAISPs**—Financial Conduct Authority (FCA) · [source ↗](https://register.fca.org.uk/s/) as at 25 September 2026 - **Persons with significant control**—Companies House · [source ↗](https://download.companieshouse.gov.uk/en_pscdata.html) as at 9 October 2026 - **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. ## Assess the financial crime risk behind a licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.